Deciding on a Super Top-up Health Insurance: Is it Worth Considering

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India is filled with an array of health insurance plans designed to meet diverse individual needs. With the continuous surge in medical costs, super top-up plans have gained significant popularity. However, the question remains: Is a super top-up plan the right fit for your requirements? In this blog, we will delve into the significance of a super top-up policy and evaluate whether it merits consideration for purchase or not.

Let’s first understand what a super-top up policy is

A super top-up health insurance plan is a supplementary policy that works in conjunction with your existing health insurance policy. It comes into play when the expenses for treatment surpass the sum insured provided by the primary health policy. 

Let’s consider the case of Suresh to illustrate the functioning of a super top-up policy. Suresh possesses a super top-up policy with a coverage limit of Rs. 20 lakhs and a deductible of Rs. 2 lakhs. Initially, Suresh filed a claim amounting to Rs. 1.5 lakh. However, since the deductible is set at Rs. 2 lakhs, the super top-up policy was not activated. In a subsequent claim, Suresh incurred expenses totalling Rs. 3 lakhs. Given that the cumulative claims now reach Rs. 4.5 lakh (Rs. 1.5 lakh from the first claim + Rs. 3 lakhs from the second claim), surpassing the deductible amount of Rs. 2 lakhs, Suresh’s super top-up policy will be activated. Consequently, the policy will cover the amount exceeding the deductible, which in this case is Rs. 2.5 lakh (Rs. 4.5 lakh – Rs. 2 lakhs deductible).

Enlisted below are a few benefits of Super Top-up policy

  1. Increased medical coverage: These plans offer higher coverage limits, which can be beneficial, especially for individuals who want to enhance their existing coverage without changing their primary health insurance policy.
  2. Cost effective solution: Super top-up plans are generally more cost-effective than buying an entirely new comprehensive health insurance policy. By opting for a super top-up plan, individuals can increase their coverage without a significant increase in premiums.
  3. Customizable deductible: Super top-up policies usually allow policyholders to choose the deductible amount. This flexibility lets individuals tailor the policy to fit their specific needs and budget.
  4. Complementary to employer’s insurance: For individuals relying on employer-provided health insurance, a super top-up plan can fill in the gaps and offer extended coverage beyond what the employer’s policy provides.
  5. Financial safety net: In the event of a medical emergency or a serious illness that results in hefty medical bills, a super top-up policy provides an added layer of financial protection. It prevents out-of-pocket expenses from spiraling out of control.

When to not buy a super top-up policy?

In scenarios where your base health insurance policy boasts a substantial sum insured coupled with a 100% restoration benefit, investing in a super top-up policy might not be a prudent choice. The restoration benefit itself adequately provides the necessary coverage at a reasonable cost.

However, in cases where your base policy offers a limited sum insured or if the restoration benefit isn’t applicable for the same ailment, opting for a super top-up policy might be a suitable alternative

An additional factor to consider is if you already possess a health insurance policy provided by your employer. In such a scenario, obtaining a super top-up policy independently might not be advisable. Employer-sponsored policies remain valid only during your tenure with that specific organization. Upon changing jobs, your employer’s health policy ceases, leaving you without a base policy to cover the deductible of your super top-up policy.

It’s recommended to procure a base policy and a super top-up policy independently, even if your employer provides both. This strategy ensures continuous coverage and avoids dependency solely on an employer-based policy, especially when transitioning jobs.

Insurance Samadhan


Determining the suitability of a super top-up health insurance policy involves a careful evaluation of individual healthcare needs and existing coverage. These policies offer increased coverage and cost-effective solutions but may not be necessary if one possesses a substantial base policy with restoration benefits. It’s essential to consider factors such as employer-provided policies and job transitions when deciding on independent coverage. Opting for both base and super top-up policies independently ensures continuous protection and avoids dependence on employer-sponsored plans. Ultimately, the decision to invest in a super top-up policy hinges on aligning its benefits with one’s specific healthcare requirements and financial circumstances.

By- Shivani Modi

Also Read:  Cashless claims in Health Insurance

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